GB/T 46141-2025Smart community infrastructures - Application guidance for digitally processed payment in smart transportation (English PDF)

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for standardization work Part 1: Structure and drafting rules for standardization documents" Drafting.

This document is modified to adopt ISO 37165:2020 "Guidelines for smart transport using digitally processed payments for smart city infrastructure".

This document has the following structural adjustments compared to ISO 37165:2020.

--- Adjust 4.2 of ISO 37165:2020 to 5.1;

--- Delete 4.3 of ISO 37165:2020;

--- Adjust Chapter 5 of ISO 37165:2020 to 4.3, delete 5.1.3 and 5.2, and merge other clauses;

--- Adjust Chapter 6 of ISO 37165:2020 to 4.2;

--- Adjust Chapter 7 of ISO 37165:2020 to Chapter 5, and adjust 7.1 and 7.2 to 5.2 and 5.3;

--- Adjust Chapter 8 of ISO 37165:2020 to Chapter 6 and split it into multiple sections, corresponding to 6.1, 6.1.1, 6.1.2, 6.2, 6.2.1, 6.2.2, 6.2.3;

--- Adjust Chapter 9 of ISO 37165:2020 to Chapter 7, delete 9.1 and 9.2.1 under this chapter, add 7.2, and adjust Article number under this chapter;

--- Adjust Chapter 10 of ISO 37165:2020 to 7.3 and merge the contents of this chapter.

The technical differences between this document and ISO 37165:2020 and their reasons are as follows.

a) Deleted the term "digital payment for smart transportation" in 3.1 of ISO 37165:2020.The standard already contains the term "digital payment".

the term;

b) Changed the overview of digital payment in "Digital Payment for Smart Transportation" to clarify the concept of digital payment and its role in smart transportation.

The ability of digital payment is explained (see 4.1) to meet the development of digital payment in my country and facilitate users to understand and Standards implementation;

c) Changed the feature description in "Digital Payment Features" (see 4.2), based on the technological development and practice of digital payment in my country Make inductions;

d) Changed the description of "Applicable Users and Application Scenarios for Digital Payment" (see 4.3), merged and simplified the subsections, and changed the original description.

The description is too complex and difficult for users to understand;

e) The title "Digital Payment Empowers Transportation" was changed to "Payment System Security", and the phrase "shall not be tampered with" was deleted from "Digital Payment Security".

Description of the transaction process that cannot be denied or repudiated and the transaction traceability (see 5.1);

f) Added a detailed description of the security of the digital payment process in "Payment Process Security" and added normative references.

GB/T 43245-2023 and GB/T 42420-2023 (see 5.2) are in line with the technological development and implementation of digital payment in my country.

Practice, to facilitate users' understanding and standard implementation;

g) Deleted the specific description of the use of public key cryptographic algorithms in 7.2 of ISO 37165:2020 and replaced it with the description of application security management.

A brief description of transaction and data security and key system is provided, and the normative reference is made to GB/T 36625.3-2021.

Security technology (see 5.3) to comply with the technological development and practice of my country's digital security field and integrate with the existing smart city field.

The standards are connected with national standards in different fields, which is convenient for users to understand and implement the standards;

h) Increased privacy information security (see 5.4) to comply with my country's requirements for personal information protection;

i) Added "Digital Payment Wallet Acquisition and Activation" and "Digital Payment Wallet Activation" to "Digital Payment Basic Operations".

The details of "Digital Payment Wallet Recharge, Payment and Withdrawal" (see 6.1) are provided to make digital payment operations more accurate and specific.

It is consistent with the progress and current status of digital payment in my country, and is easy for users to understand and implement in a standardized manner;

j) Added "Payment System", "Transaction Processing" and "Fund Settlement" to "Basic Digital Payment Operations" for "Institutional Digital Payment" the details of the content (see 6.2) are to make digital payment operations more accurate and specific, in line with the progress and current status of digital payment in my country.

Facilitate users' understanding and implementation of standards, and improve the applicability of standards;

k) The description of mobile payment in Chapter 8 of ISO 37165:2020 has been deleted. my country's digital payment is no longer limited to mobile payment.

This payment method is no longer available, so the content description does not apply.

l) Changed the description of the "Service Management Module" (see 7.1.1) and refined the specific content to conform to the technological development of digital payment in my country.

and current status, to facilitate user understanding and standard implementation;

m) Changed the description of "Terminal Application Module" (see 7.1.5) and refined the specific content to conform to the technological development of digital payment in my country.

and current status, to facilitate user understanding and standard implementation;

n) Added the content of "Data Exchange and Sharing" and added the normative references GB/T 43245-2023 and GB/T 42420-2023 (see 7.2), to make Chapter 7 more complete and facilitate users to fully manage the digital support of smart transportation in the implementation of the standard.

Pay, improve the applicability of standards;

o) The title "Quality Maintenance" was changed to "Digital Payment Operation Observation", and the description of "Digital Payment Operation Observation" was changed, and the following was added.

The normative references GB/T 36749-2018 and ISO 37122:2019 (see 7.3) are incorporated, and the subsections are merged.

The following editorial changes have been made to this document.

--- To coordinate with the existing standard, the name of the standard will be changed to "Guidelines for Digital Payment Applications in Smart City Infrastructure and Smart Transportation";

---The title of Chapter 4 was changed from "Concept of Digital Payment for Smart Transportation" to "Overview";

---4.3 The title is changed from "Expectations for the use of digital payments in smart transportation" to "Applicable users and application scenarios of digital payments";

---7.1.2 The title is changed from "Big Data Analysis Center" to "Data Analysis Module" (see 7.1.2), and the title of 7.1.3 is changed from "Registration Center" to Changed to "Identity Registration Module" (see 7.1.3).

Introduction

Transportation and related services are an important part of users' daily life and business activities. When using these services, cash payment is usually Digital payment is a method of paying fees through an account or digital currency.

Using digital payment can not only improve the convenience of users in enjoying smart transportation services, but also reduce the operator's burden of handling large amounts of cash and fee collection failures.

resulting in economic losses.

Due to the large number of users of transportation and related services, the total amount of fees charged by operators is huge. Therefore, the security of digital payment applications is the security requirements are very high, and it is necessary to ensure user payments, operator charges and management, and transfer transactions between operators and banks or settlement institutions.

Establishing a safe, efficient, accurate and low-cost digital payment system is of great significance.

This is of great significance, as it allows users to complete payments safely and conveniently, and also facilitates charging by operators and ensures management security.

This document will not only help operators of transportation and related services to provide users with more convenient payment services, but also help operators Build a ticketing and charging network together.

Smart city infrastructure Smart Transportation Digital Payment Application Guide

1 Scope

This document provides guidance on security, basic operations, and operation and maintenance management for digital payment applications in smart transportation.

This document applies to operators of smart transportation and related services that use digital payment methods for fee management, as well as these operators Funds transfers to and from banks or clearing houses.

2 Normative references

The contents of the following documents constitute the essential clauses of this document through normative references in this document.

For referenced documents without a date, only the version corresponding to that date applies to this document; for referenced documents without a date, the latest version (including all amendments) applies to this document.

GB/T 36625.3-2021 Smart City Data Fusion Part 3: Data Collection Specification GB/T 36749-2018 Indicators of sustainable urban development, urban services and quality of life GB/T 42420-2023 Smart city infrastructure - Data acquisition and reporting for residential community infrastructure in the event of public health emergencies specification GB/T 43245-2023 Guidelines for data exchange and sharing in smart city infrastructure

3 Terms and Definitions

The following terms and definitions apply to this document.

Through mathematical algorithms, the currency form is operated, managed and controlled, so that it has the same circulation and transaction functions as actual currency.

Trade or cash out via digital wallet.

Digital payment wallet d-paymentwalet A digital payment account managed through public key cryptography.

4 Overview